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An insured carries an ISO DP-3 Special Form on a rental dwelling. A windstorm tears off shingles and rain damages a tenant-owned sofa stored in the garage that the landlord-insured also covers under Coverage C. Which statement correctly describes the peril treatment of the loss?
The roof is covered on an open-perils basis; the sofa is covered because windstorm is a named peril under Coverage C
BBoth the roof and the tenant-owned sofa are covered on an open-perils basis because the DP-3 writes every coverage on open perils
CThe roof is covered on a named-perils basis; the sofa is the item covered on an open-perils basis under Coverage C
DNeither item is covered because the DP-3 Special Form excludes windstorm as a cause of loss entirely
Why this is the answer
The ISO DP-3 Special Form is unique in the dwelling family because it splits peril treatment: Coverages A (Dwelling) and B (Other Structures) are written on an open-perils (special form) basis, while Coverage C (Personal Property) — if added by the insured — reverts to a broad named-perils list. Windstorm is one of those named perils, so a wind-damaged sofa is covered. The dwelling itself is covered for any direct physical loss unless excluded (ISO DP 00 03 Section I Perils Insured Against).
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